Personal Investment Portfolio

Whether you need cost-effective investments, a place to grow your kid’s college fund, or an account to prepare for retirement, we can build a personalized investment portfolio to help you reach your goals. Each portfolio is carefully designed using the best academic and professional research available. Your tax rate, income level, cash flow, personality profile, and risk tolerance will be used to guide your advisor’s recommendations.

Vanguard research and other academic studies have concluded that behavioral coaching can add 1% to 2% in net return.

Daily Account Rebalancing & Trading

We will review your account each day for rebalancing opportunities. As you receive income from stocks and bonds, or make deposits into your account, your advisor will make calculated decisions about where to invest each new dollar. Instead of automatically putting new cash flow into the same investments each month, we will look for opportunities to purchase investments that are underweight, potentially creating valuable long term returns. A good portfolio should always take into account the evolution of the global stock market.

Vanguard estimates that rebalancing with new cash flow may add as much as .35% to your overall portfolio return.

Quarterly Investment Performance Summary

We take a long term approach to investing and will always keep you informed about market conditions and personal performance. On a quarterly basis you’ll receive an investment summary with a breakdown of your portfolio, account balances, deposits, growth, and fees.

Tax Management & Portfolio Optimization

Your investments will be placed in accounts that offer the greatest tax benefit based on your individual circumstances. We also perform tax loss harvesting to take advantage of years when your investments may have declined due to economic downturn. To minimize capital gains taxes we can help you donate portions of your securities to charity instead of using ordinary income to make contributions. By putting your assets in the right locations, harvesting losses properly, and donating capital gains when appropriate, we can effectively increase the overall rate of return on your investments.

Vanguard estimates that placing investments in the right account types may add as much as .75% in annual return.

Elements® Analysis and Benchmarking

Our Elements® planning methodology turns complex questions into simple calculations and gives your advisor a 360° view of your financial picture. The 12 key indicators of your financial health will be continually measured and benchmarked against a large sample of other dentists.

Dashboard to track all personal and practice finances in one place

With access to a personal dashboard, you’ll be able to view all your account activity, assets, and debts in one place. The dashboard gathers data from your various financial institutions in real time, which means you can see your net worth on demand. Instead of relying on hunches and assumptions, your advisor will use real data to provide recommendations with greater precision.

Continuously Updated Net Worth Statement & Progress Report

Each quarter we serve up a progress report which shows how your net worth is changing over time. The report includes a detailed breakdown of your assets and debts so it’s clear which factors are contributing to growth or decline.

Limited power of attorney to coordinate planning with other service professionals

Using a limited power of attorney, we will establish lines of communication with each of your professional contacts to request data and documents on a regular basis. In essence, we’ll be the quarterback of your service provider team and make sure your financial playbook includes the most up-to-date information from all the right sources. This allows us to complete much of our analysis behind the scenes without disrupting your busy schedule.

Associate advisor to monitor performance

An associate advisor from a top ranked financial planning program will use our industry-leading technology to prepare ongoing evaluations which give your advisor a clear view into the details of your asset distribution, loans, taxes, personal spending, insurance, practice profitability, investments, and other financial vitals.

Personal Financial Advisor

You’ll receive personal guidance from a fiduciary advisor who understands dentistry and is empowered by the best technology. Without product-based commissions to influence your advisor’s decisions, you can be certain financial advice is always unbiased and given with your best interest in mind.

One-Time Consultation, Diagnosis & Planning

Before we put your financial plan in motion, we will diagnose your situation and learn about your goals through a series of discovery meetings. Once your wealth management agreement is signed, we will get to work on your new client steps which include building your dashboard, establishing communication with your professional contacts, completing your personal net worth statement, designing your investment plan, and setting up your investment accounts.

Annual Investment Fee

Investment fees are solely based on your total assets under our management. We don’t receive commissions or bonuses for selling any investment products. As a fee-only registered investment advisor, we’ve structured our company to grow when you grow. This chart shows how our investment fees are calculated on a quarterly and annual basis.

Ongoing Analysis, Advice & Reporting

We charge a flat monthly rate for comprehensive financial planning. You’ll have guidance from an advisor, ongoing Elements® analysis and benchmarking, a personal dashboard, quarterly net worth progress reports, an associate advisor to monitor performance, and coordinated planning with your other service providers. The monthly fee is waived when you reach $3M in assets under management ($5M for Elements®+ clients).

How Do I Get a Podcast?

A Podcast is a like a radio/TV show but can be accessed via the internet any time you want. There are two ways to can get the Dentist Money Show.

Watch/listen to it on our website via a web browser (Safari or Chrome) on your mobile device by visiting our podcast page.

Download it automatically to your phone or tablet each week using one of the following apps.

For iPhones or iPads, use the Apple Podcasts app. You can get this app via the App Store (it comes pre-installed on newer devices). Once installed just search for "Dentist Money" and then click the "subscribe" button.

For Android phones and tablets, we suggest using the Stitcher app. You can get this app by visiting the Google Play Store. Once installed, search for "Dentist Money" and then click the plus icon (+) to add it to your favorites list.